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Community Banks of Shelby County

Cowden, IL · Cert 920

FDIC · 3 branches

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Banks of Shelby County

Cowden, IL · Cert 920

FDIC · 3 branches

Q2 2022

$66.7MAssets
$19.4MLoans
$61.1MDeposits
$5.6MEquity
Loan mix
81%RE $9.8M7%C&I $0.9M12%Consumer $1.4MQ2 2021Q2 2022
Deposit mix
77%Interest-bearing $46.8M23%Noninterest $14.3MQ2 2021Q2 2022

NIM

2.81%Q2 ’201.97%Q2 ’211.73%Q2 ’22-28%-12%

Non-interest income vs. expense

2.31%Q2 ’202.13%Q2 ’211.81%Q2 ’22-20%-2%

Executive Summary

  • Earnings: ROA of -0.05%, down 19 bps year over year; NIM at 1.57%.
  • Asset quality: problem loans at 4.76% of loans (+180 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.22%, down 112 bps from a year ago.
  • Funding: loans stand at 31.74% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.05%-19 bps YoY

Net Interest Margin (YTD, annualized)

1.57%-21 bps YoY

Efficiency Ratio (YTD, annualized)

102.51%+874 bps YoY

Tier 1 Leverage Ratio

8.22%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.14%0.20%0.22%-0.08%-0.05%-19 bps
Return on Equity1.51%2.10%2.29%-0.93%-0.54%-204 bps
Net Interest Margin1.78%1.77%1.68%1.53%1.57%-21 bps
Efficiency Ratio93.77%91.54%90.92%104.53%102.51%+874 bps
Non-Interest Burden1.64%1.57%1.47%1.61%1.62%-3 bps
Growth
Asset Growth (YoY)10.77%13.35%14.83%13.96%12.65%+188 bps
Loan Growth (YoY)-4.83%-9.12%-13.44%-12.85%-18.09%-1,326 bps
Deposit Growth (YoY)12.04%15.19%16.70%15.18%14.09%+205 bps
Asset Quality
Nonperforming Loans / Loans2.96%2.92%3.93%4.21%4.76%+180 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.16%1.17%1.24%1.34%1.42%+26 bps
Allowance Coverage of NPLs0.4x0.4x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio9.34%9.26%8.87%8.34%8.22%-112 bps
Total Risk-Based Capital9.34%9.26%8.87%22.80%23.41%+1,407 bps
Equity / Assets9.36%9.41%8.81%8.31%8.34%-102 bps
Liquidity & Funding
Loans / Deposits44.22%43.96%38.16%33.24%31.74%-1,247 bps
Liquid Assets / Assets55.17%53.85%59.45%65.92%67.12%+1,194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a